Cash Back Credit Cards
Cash back cards put money back in your pocket on every purchase. Whether you want a flat rate on everything or higher rewards in specific categories like groceries and gas, we've compared the top cash back cards so you can maximize every dollar you spend.
Top Picks
Credit Score
Annual Fee
See Terms*
Rewards Rate
Up to 10%
Foreign Fee
N/A
Purchase APR
N/A
Balance Transfer
N/A
Regular APR
35.99%*
On The Bank of Missouri's website
- Earn Up To 10% Cash Back on everyday shopping with your First Access Card - Plus, another 1% back on payments!^^
- An initial credit limit Up To $500! (See terms*)
- Rebuild your credit and get rewarded with First Access.¹
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- Applying only takes a few minutes, and we will provide a credit response in 60 seconds or less.
- *See Rates, Fees, Costs & Limitations for complete offer details
- ¹Account holders who pay their bill on time every month and keep their balance low relative to their credit line, may build or rebuilt their credit.
- ^^1% Cash Back is earned on payments to your Credit Card. Up To 10% Cash Back is earned on qualifying purchases at select participating merchants. Offer percentages vary by merchant and are subject to change. See First Access Rewards Programs Terms & Conditions for details
Credit Score
Annual Fee
$85-$175 first year, $229 thereafter
Rewards Rate
Up to 3% Cash Back Rewards; 3% Cash Back Rewards on Gas, Groceries and Utility Bill Payments. 1% Cash Back Rewards on all other eligible purchases.
Foreign Fee
3% of each transaction amount in U.S. dollars
Purchase APR
N/A
Balance Transfer
N/A
Regular APR
36% Fixed
On The Bank of Missouri's website
- Earn Cash Back Rewards* – 3% on Eligible Gas, Groceries, and Utilities, and 1% on All Other Eligible Purchases
- Use Anywhere Mastercard is Accepted
- No Security Deposit
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- $0 fraud liability**
- Free access to your Credit Score† *See Program Terms for important information about the cash back rewards program. **Fraud liability subject to Mastercard rules. † Your credit score will be available in your online account starting 60 days after your account is opened. (Registration required.) The free VantageScore 4.0 credit score provided by TransUnion® is for educational purposes only. This score may not be used by The Bank of Missouri (the issuer of this card) or other creditors to make credit decisions.
Credit Score
Annual Fee
$85-$175 first year, $229 thereafter
Rewards Rate
Up to 3% Cash Back Rewards; 3% Cash Back Rewards on Gas, Groceries and Utility Bill Payments. 1% Cash Back Rewards on all other eligible purchases.
Foreign Fee
3% of each transaction amount in U.S. dollars
Purchase APR
N/A
Balance Transfer
N/A
Regular APR
36% Fixed
On The Bank of Missouri's website
- Earn Cash Back Rewards* – 3% on Eligible Gas, Groceries, and Utilities, and 1% on All Other Eligible Purchases
- Up to $1,000 credit limit subject to credit approval
- Prequalify** without affecting your credit score
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- No security deposit
- Free Access to your Credit Score† *See Program Terms for important information about the cash back rewards program. ** Prequalify means that you authorize us to make a soft inquiry into your credit history (that will not affect your credit) to create an offer. If you accept an offer a hard inquiry will be made. Final approval is not guaranteed if you do not meet all applicable criteria (including adequate proof of ability to repay). Income verification through access to your bank account information may be required. † Your credit score will be available in your online account starting 60 days after your account is opened. (Registration required.) The free VantageScore 4.0 credit score provided by TransUnion® is for educational purposes only. This score may not be used by The Bank of Missouri (the issuer of this card) or other creditors to make credit decisions.
Credit Score
Annual Fee
As low as $99
Rewards Rate
Up to 3% Cash Back Rewards; 3% Cash Back Rewards on Gas, Groceries and Utility Bill Payments. 1% Cash Back Rewards on all other eligible purchases.
Foreign Fee
3% of each transaction amount in U.S. dollars
Purchase APR
N/A
Balance Transfer
N/A
Regular APR
36% Fixed
On WebBank's website
- Earn Cash Back Rewards* – 3% on Eligible Gas, Groceries, and Utilities, and 1% on All Other Eligible Purchases
- Up to $1,000 credit limit subject to credit approval
- $0 fraud liability**
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- No Security Deposit
- The Imagine Card is issued by WebBank
- Review Cardholder Agreement for rate and fee information *See Program Terms for important information about the cash back rewards program. **Zero liability subject to Visa’s Zero Liability Policy.
Credit Score
Annual Fee
$29.00
Rewards Rate
Up to 10%
Foreign Fee
N/A
Purchase APR
N/A
Balance Transfer
N/A
Regular APR
23.49% (V)
On Synovus Bank's website
- Double the Rewards: Earn Up To 10% Cash Back on Purchases & 1% Back on Payments!^^
- Secure your credit line with a refundable security deposit - as low as $200 to get started!
- Apply with no impact to your credit!2
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- Build your credit history across 3 major credit reporting agencies: Experian, Equifax, and TransUnion.¹
- No minimum credit score required for approval!
- ¹Cardholders who keep their balance low and pay their credit card bill on time every month typically do see an increase in their credit score.
- 2We may pull a soft inquiry of your credit. Soft inquiries do not impact your credit score.
- ^^The 10% cash back rate is available only at a limited number of participating merchants. Offer percentages vary by merchant and are subject to change. See First Latitude Rewards Program Terms & Conditions for details.
- *See Important Disclosures for complete offer details
Credit Score
Annual Fee
$0
Rewards Rate
10%
Foreign Fee
N/A
Purchase APR
N/A
Balance Transfer
N/A
Regular APR
27.49% (V)
On Synovus Bank's website
- Now offering Up To 10% Cash Back at select merchants with First Latitude!^^
- Make a Refundable Deposit & Use Your Card. Rebuilding Credit Can Be That Easy!¹
- Designed to push you forward on your credit building journey with $0 Annual Fee.¹
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- Build your credit history across 3 major credit reporting agencies: Experian, Equifax, and TransUnion.¹
- All credit types welcome to apply!
- ¹Cardholders who keep their balance low and pay their credit card bill on time every month typically do see an increase in their credit score.
- ^^The 10% cash back rate is available only at a limited number of participating merchants. Offer percentages vary by merchant and are subject to change. See First Latitude Rewards Program Terms & Conditions for details.
- *See Important Disclosures for complete offer details
Credit Score
Intro Offer
$200
online cash rewards bonus after you make at least $1,000 in purchases in the first 90 days of account opening
Annual Fee
$0
Rewards Rate
6% cash back for the first year in the category of your choice
Foreign Fee
3%
Purchase APR
0%
Balance Transfer
0%
Regular APR
17.49% - 27.49% Variable APR on purchases and balance transfers
On Bank of America's website
- $200 online cash rewards bonus after you make at least $1,000 in purchases in the first 90 days of account opening.
- Earn 6% cash back for the first year in the category of your choice. You’ll automatically earn 2% cash back at grocery stores and wholesale clubs, and unlimited 1% cash back on all other purchases. After the first year from account opening, you’ll earn 3% cash back on purchases in your choice category.
- Earn 6% and 2% cash back on the first $2,500 in combined purchases each quarter in the choice category, and at grocery stores and wholesale clubs, then earn unlimited 1% thereafter. After the 3% first-year bonus offer ends, you will earn 3% and 2% cash back on these purchases up to the quarterly maximum.
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- No annual fee and cash rewards don’t expire as long as your account remains open.
- Select your card design option when you apply – the Customized Cash Rewards design, or the limited-time FIFA World Cup 2026™ design.
- 0% Intro APR for 15 billing cycles for purchases, and for any balance transfers made in the first 60 days. After the Intro APR offer ends, a Variable APR that’s currently 17.49% - 27.49% will apply. A 3% Intro balance transfer fee will apply for the first 60 days your account is open. After the Intro balance transfer fee offer ends, the fee for future balance transfers is 5%. Balance transfers may not be used to pay any account provided by Bank of America.
- When handled responsibly, a credit card can help you build your credit history, which could be helpful when looking for an apartment, a car loan, and even a job.
- This offer may not be available elsewhere if you leave this page. You can take advantage of this offer when you apply now.
Annual Fee
$0 - $89*
Rewards Rate
See website for Details*
Foreign Fee
1% of transaction value*
Purchase APR
N/A
Balance Transfer
N/A
Regular APR
35.99%*
On WebBank's website
- See if you're pre-approved with no impact to your credit score.
- Qualify for rewards like a credit limit increase (subject to credit approval) or APR decrease in as little as six months.
- Earn unlimited 1% cash back on purchases.
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- Building your credit? We report to the major credit bureaus and good payment habits can pay off.
- Easily manage your account and make payments using BrightWay App.
- BrightWay cards are issued by WebBank.
- See the OneMain Financial BrightWay® Card rates and fees.*
Credit Score
Intro Offer
$250
Earn a $250 statement credit after you make $3,000 in purchases on your Card in your first 3 months.
Annual Fee
No annual fee
Rewards Rate
Up to 2%
Foreign Fee
2.7% of each transaction after conversion to US dollars.
Purchase APR
0%
Balance Transfer
N/A
Regular APR
16.74% - 26.74% Variable
On American Express Business's website
- Earn a $250 statement credit after you make $3,000 in purchases on your Card in your first 3 months.
- 0.0% intro APR on purchases for 12 months from the date of account opening, then a variable rate, 16.74% - 26.74%, based on your creditworthiness and other factors as determined at the time of account opening. APRs will not exceed 29.99%
- Earn 2% cash back on all eligible purchases on the first $50,000 of purchases each calendar year, 1% thereafter. Cash back earned is automatically credited to your statement.
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- From workflow to inventory to floor plans, your business is constantly changing. That’s why you’ve got the power to spend beyond your credit limit with Expanded Buying Power.
- The amount you can spend above your credit limit is flexible, so it adapts with your use of the Card, your payment history, credit record, financial resources known to us, and other factors. Just remember, the amount you can spend with Expanded Buying Power is not unlimited.
- No Annual Fee
Credit Score
Annual Fee
$0
Rewards Rate
3%
Foreign Fee
Up to 3%
Purchase APR
N/A
Balance Transfer
N/A
Regular APR
14.99% - 29.99% APR
On Cross River Bank's website
- $200 bonus after opening a Rewards Checking Preferred account and making 3 debit card transactions*.
- 3% unlimited cash back on every purchase in Home, Health, and Auto categories
- No annual fee
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- Enjoy Visa Signature benefits, like Roadside Dispatch, Price Protection, Extended Warranty and more
- Shop smarter with Upgrade Shopping! Get exclusive savings at stores, restaurants, and more
- No touch payments with contactless technology built in
- See if you qualify in seconds with no impact to your credit score
- Great for large purchases with predictable payments you can budget for
- Mobile app to access your account anytime, anywhere
- Use your card anywhere Visa is accepted
- Relax knowing that you are protected in case of unauthorized transactions with Visa’s Zero Liability Policy